Privacy Policy

Privacy Policy

Last Updated and Effective: December 1, 2021

You are visiting a website owned and operated by Private Debt Relief. PrivateDebtRelief.com, and its subsidiaries and affiliates (collectively, “PrivateDebtRelief.com”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.

This privacy policy applies to www.PrivateDebtRelief.com.com and all websites and mobile apps owned and operated by PrivateDebtRelief.com on which this privacy policy is displayed (such websites and apps referred to hereafter as the “Website(s)” or “Site(s)”, whether individually or collectively, or collectively as “Services”) as well as PrivateDebtRelief.com affiliates.

Capitalized terms not defined herein shall have the meanings set forth in the (PrivateDebtRelief.com) Website Terms and Conditions ("Terms of Website Use"). IF YOU DO NOT AGREE TO TERMS OF THIS PRIVACY POLICY IN THEIR ENTIRETY, YOU MAY NOT ACCESS OR OTHERWISE USE THE SITE OFFERINGS.

For the purposes of this Privacy Policy, "information" shall mean individually identifiable information from or about an individual, in addition to any other information provided by you or collected by us as set forth in this privacy policy.

Information We Collect

Identifying Information: We collect information that could identify you such as your name, address, telephone number, mobile number, email address, Social Security Number and any other information requested on the Website.

Financial Information: We may also collect your bank information, employment information (including but not limited to pay frequency, pay amount) self-reported credit history/credit scores and any other financial information requested on the Website.

Other Information: We also collect information such as demographic data, data about your online activity, and other information that is not used to identify you.

How We Collect Information

Information provided by you: We collect information from you when you enter it or otherwise provide it in connection with an inquiry into our Services and/or complete the required information request form and/or otherwise provide such information to us. This information could be provided via an online form, over the phone, or via other means in which you interact with our Services.

Information from third parties: Information is collected from credit bureaus, lead generators and other partners who may have data on your financial profile, home, or other demographic information.

Information from cookies and other tracking technologies: We may use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Sites may not function properly.

How We Use Information

We may use collected information to:

  1. Deliver the products and services you requested
  2. Improve customer service
  3. Improve our Site
  4. Personalize your experience
  5. Communicate with you about products or services that we determine may be of interest to you
  6. Manage our business

Upon entering any information and clicking on the applicable submission button on the Website: (i) we may pass your information along to one (1) or more of our marketing partners and/or affiliates (collectively, “Marketing Partners”) or Third-Party Service Providers; (ii) you may be contacted by us and/or one (1) or more of our Marketing Partners or Third-Party Service Providers regarding your request; and/or (iii) you may be contacted by one (1) or more Marketing Partners with third-party offers that we determine may be of interest to you. You may be contacted by us, or one of our Marketing Partners or third-Party Service Providers in connection with your submission of information for the purpose of requesting additional information over the telephone including some or all of the following: (A) your date of birth; (B) your mailing address; (C) certain information pertaining to the your financial or borrowing needs; and (D) any other information requested by the applicable representative.

By submitting your information by and through the Site Offerings, you agree that we may share, sell, rent, lease or otherwise provide that information to any third-party for any purpose permitted by law, and we may work with other businesses to bring selected third-party offers to you. These businesses and third-parties maya include, but are not limited to: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) email marketers; (c) telemarketers (where permitted by applicable law); and (d) direct marketers. We may also use your information to send you promotional messages regarding various products and/or services, as well as third-party products and/or services that we think may be of interest to you.

Without limiting the foregoing, by agreeing to this Privacy Policy, you are proving us with your permission, we may share your User Data with those Third-Party Service Providers that you request to be contacted by. These Third-Party Service Providers may use your information, including information, to offer you financial or lending products and/or services, and for any other lawful purposes, subject to any restrictions contained herein. The information that you supply directly to any Third-Party Service Provider shall be governed by the applicable Third-Party Service Provider’s privacy policy. Where you submit information, we use the information that you make available to personalize your experience with the Site and to facilitate the delivery of the applicable Site Offerings to you, including to respond to any inquiries made by you.

We may also provide your information to third-party companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from User lists, analyzing data and providing marketing analysis. The agents performing these limited functions on our behalf shall have access to your information as needed to perform these functions for us, but we do not permit them to use your information for other purposes.

We may also use your information with your permission, for customer service, to provide you with information that you may request, to customize your experience with the Site Offerings and/or to contact you when necessary in connection with your use of the Site Offerings. We may also use your information for internal business purposes, such as analyzing and managing our service offerings including, without limitation, the Site Offerings. We may also combine the information we have gathered about you with information from other sources.

By submitting your information by and through the Site Offerings, and thereby providing your permission, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule") and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.

Where you provide "prior express written consent" within the meaning of the Telephone Consumer Protection Act (47 USC § 227), and its implementing regulations adopted by the Federal Communications Commission (47 CFR § 64.1200), as amended from time-to-time ("TCPA"), you consent to receive telephone calls from us and/or our designated Third-Party Service Provider(s), including artificial voice calls, pre-recorded messages and/or calls (including SMS text messages) delivered via automated technology, to the telephone number(s) that you provided. You are not required to provide this consent in order to obtain access to the Site Offerings, and your consent simply allows us and our designated Third-Party Service Providers, as applicable, to contact you via these means. By agreeing to this Privacy Policy, you are obligated to immediately inform us if and when the telephone number that you have previously provided to us changes. Without limiting the foregoing, if you: (i) have your telephone number reassigned to another person or entity; (ii) give up your telephone number so that it is no longer used by you; (iii) port your telephone number to a landline or vice versa; or (iv) otherwise stop using that telephone number for any reason (collectively "Phone Number Change"), you agree that you shall promptly notify Company of the Phone Number Change via email at: customerservice@privatedebtrelief.com, or by using one of the methods set forth in the "Contact Us" section below.

With Whom Do We Share Your Information?

PrivateDebtRelief.com Affiliates: We may share information about you or provided by you with the PrivateDebtRelief.com affiliates.

Network Partners: When you submit an inquiry or use another Service provided through the Website, you direct PrivateDebtRelief.com to share information about you or provided by you with Third-Party Service Providors and financial service providers (including debt consolidation providers) and other third parties in our network to deliver the products and services you request (collectively, “Network Partners”). PLEASE NOTE: The Network Partners that interact with you may retain or use your information whether or not you use their services, and their privacy and information sharing practices are set forth in their respective privacy policies. Pursuant to the contracts between PrivateDebtRelief.com and its Network Partners, if you select a Network Partner through our Services, PrivateDebtRelief.com may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of your Loan. PrivateDebtRelief.com and its Network Partners may exchange information about you, your loan terms, and your accounts for the purpose of providing you with information about financial services and products. PrivateDebtRelief.com may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.

Financial Companies: We may also share information about you with other Financial Companies with whom we engage in joint marketing efforts, or who offer financial related products or services that you may be interested in. These companies’ privacy and information sharing practices are set forth in their respective privacy policies.

Other Business Partners: We also may share information about you with other business partners who offer products and services that we believe you may be interested in. Their privacy and information sharing practices are set forth in their respective privacy policies.

PrivateDebtRelief.com Service Providers: We may share information with Service Providers that perform certain services on our behalf including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or Website or product support.

Other Situations: We may also disclose information about you or provided by you at our sole discretion:

  1. In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
  2. When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the PrivateDebtRelief.com business, our users, our employees, or others; or to enforce our Site’s terms and conditions or other agreements or policies.
  3. In connection with a substantial corporate transaction involving the PrivateDebtRelief.com business, such as a sale of PrivateDebtRelief.com or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
  4. In connection with state and/or federal licensing requirements regarding the reporting of information contained in the loan inquiries we receive from you. You authorize PrivateDebtRelief.com to obtain any and all required information from the entities with whom you have interacted with in connection with PrivateDebtRelief.com in order for PrivateDebtRelief.com to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
  5. We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

Cookies and Do Not Track

We may use cookies and other technologies such as web beacons and pixels to collect information about your online activities over time and across third-party websites or online services or which may allow a third-party to track your online activities over time and across different sites when you use the Websites.

The Websites may not respond to Do Not Track requests or headers from some or all browsers.

Third-Party Websites

This Site may contain links to third-party owned and/or operated websites including, without limitation, websites owned and/or operated by Third-Party Service Providers and/or Marketing Partners. We are not responsible for the privacy practices or the content of such entities and/or websites. These third-party websites and entities have separate privacy and data collection practices and we do not endorse, nor are we responsible for the accuracy of the privacy policies and/or terms and conditions of each of the Third-Party Service Providers or sellers that may advertise at the website.

Marketing and Communications

You may adjust your communications preferences by writing to us at customerservice@privatedebtrelief.com. You may also modify your preferences by clicking on an unsubscribe link at the bottom of certain emails sent from PrivateDebtRelief.com.

We may use third-party tracking technology which allows targeted advertisements to you.

Electronic Disclosure

By submitting your information via the Internet, you agree to receive certain notifications, disclosures and/or documents electronically. This Consent to Electronic Disclosures applies to the information you are providing on this Site and any other communications we or any Third-Party Service Provider may provide to you. By submitting your information, you agree to receive all such notifications, disclosures and/or documents from us or any Third-Party Service Provider in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your information by exiting the website or by closing your browser. However, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. Following the submission of your information, you may be able to withdraw your consent to future electronic disclosures from a Third-Party Service Provider by contacting the financial service provider directly, but due to rules regarding the timing of delivery of disclosures that need to be made to you, you acknowledge that an opt-out notice may not be received and acted upon by such Third-Party Service Provider prior to such disclosures being delivered to you electronically. We do not process opt-out communications for Third-Party Service Providers, and each Third-Party Service Provider establishes its own rules regarding opting out of future electronic communications and disclosures.

All notifications, disclosures and/or documents that we or any Third-Party Service Provider provide to you in electronic format may be provided either (i) via e-mail; (ii) by access to a secure customer service website which will be provided to you in an e-mail notice sent to you when the documents are available; (iii) by posting on this Site or the financial service provider’s site; (iv) by SMS text messaging to your mobile device; or (v) by posting on a website designated for that purpose. Any notifications, disclosures and/or documents provided in electronic or paper format from us or any Third-Party Service Provider to you will be considered “in writing,” and you should print a copy for your records. You may obtain any notifications, disclosures and/or documents in paper form without charge from us by printing them yourself from our website or the appropriate Third-Party Service Provider’s website when available. To access, view and retain the notifications, disclosures, and/or documents available to you in electronic form, you must have Internet access, sufficient electronic storage capacity, an e-mail account with an Internet service provider e-mail software.

You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) your consent to receive notifications, disclosures and/or documents in electronic form; (ii) the information you provide, and (iii) our and/or any Third-Party Service Providers’ ability to conduct business with you by electronic means.

By completing and submitting your information, you (i) agree to provide us with an accurate and complete e-mail address and other required information requested on this Site; (ii) confirm your consent to receive notifications, disclosures and/or documents from us and any Third-Party Service Provider in electronic format; (iii) affirmatively demonstrate your ability to access the notifications, disclosures and/or documents in electronic form; (iv) confirm that you have provided a current e-mail address at which electronic notifications, documents and/or disclosures can be sent to you; (v) acknowledge that you have read and reviewed the terms contained in this Electronic Disclosure section; and (vi) agree to the terms contained in this Electronic Disclosure section.

We and any Third-Party Service Provider, reserve the right, in our sole discretion, to discontinue electronic provision of notifications and/or documents. You will be provided with notice of any such termination or change as required by law.

To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that all records may be stored electronically; and that neither we nor any Third-Party Service Provider will retain and have no obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all notifications, disclosures and/or documentation. You further acknowledge and understand that all original and electronic notification, disclosures and/or documentation will be routinely destroyed, but not before the period of time designated by regulatory requirements. Records may be stored electronically via imaging, scanning, filming or other technology used for the storage of documentation via internal processes or third-party processors that we or any Third-Party Service Provider approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. We will retain your information for as long as needed to provide you services. If you wish to request that we no longer use your information to provide you services, please contact us at customerservice@privatedebtrelief.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Credit Disclosure

You expressly acknowledge and agree that financial service providers who review the information you submit may obtain credit checks, consumer credit reports and other personal data from Experian, Equifax, Trans Union or through alternative providers. Such information may be used by a Third-Party Service Provider or financial service provider, as permitted by law, in order to (i) authenticate and verify your identity based on the information you provide; (ii) assess your eligibility for credit and identify products and/or services which may be available to you; (iii) determine your debt to income ratio; (iv) obtain a credit score.

Updating and Accessing Your Information

The appropriate method(s) for accessing your information, if any, will depend on which Site or Services you have used. Depending on the respective Site or Service, you may have the ability to view or edit some of your information online using the respective Site or Service’s interface. If you have submitted a request through us, you can update your information by contacting our Customer Service Department at customerservice@privatedebtrelief.com. Our address is 304 S. Jones Blvd. #2185, Las Vegas, NV 89107.

How We Protect Your Information

While no data transmission over the Internet or information storage technology can be guaranteed to be 100% secure, PrivateDebtRelief.com understands your concerns with the safety of your personal information. We maintain physical, electronic, and procedural measures designed to safeguard your information from unauthorized access and disclosure. Because no system can be completely secure, and although we take steps to secure your information, we cannot guarantee that your information, searches, or other communication will always remain secure.

Transmissions between PrivateDebtRelief.com and third parties and affiliates are encrypted using public key cryptography algorithms with a minimum key size of 128 bits. SSL secures and prevents third parties from intercepting and reading your personal information; only we can decode the encryption. This technology requires a modern web browser such as Chrome, Edge, Firefox, Internet Explorer, Opera or Safari. You can verify that your communications with PrivateDebtRelief.com are secure by checking for the key or lock icon on your browser.

Changes to this Privacy Policy

PrivateDebtRelief.com has the discretion to update this privacy policy at any time. When we do, we will revise the date at the top of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Visiting our Websites From Outside the United States

The Site is designed to provide services in the United States and is governed by the laws of the United States. We make no representation that the Sites are governed by or operated in accordance with the laws of any other nation.

Compliance with Children’s Online Privacy Protection Rule

Our Services are not intended for individuals under 18 years of age, and we do not knowingly collect information from individuals under 18. If we learn we have collected or received information from a person under 18 without verification of parental consent, we will delete the information.

Online Tracking Opt-Out Guide

Like many companies online, we may use services provided by Google, Facebook and other companies that use tracking technology. These services rely on tracking technologies – such as cookies and web beacons – to collect directly from your device information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt out of having your online activity and device data collected through these services, which we have summarized below:

  • Blocking cookies in your browser. Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
  • Blocking advertising ID use in your mobile settings. Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.
  • Using privacy plug-ins or browsers. You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, Ghostery or uBlock Origin, and configuring them to block third-party cookies/trackers.
  • Platform opt-outs. The following advertising partners offer opt-out features that let you opt-out of use of your information for interest-based advertising:
  • Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt out on every browser and device that you utilize.

Your Opt-Out Rights

You may opt-out of receiving communications from us by not submitting your information. During registration and/or when you submit personally identifiable information to us on the Website, you have opted-in to request that we share your personal information with third parties to receive marketing communications for the specific purposes of receiving offers that you have applied for on our websites. When contacted by any of these companies or third parties, you should notify them directly of your choices regarding their use and sharing of your information and to opt-out of receiving additional offers from them or any other third-party with whom we have shared your information. As noted, we use information, according to the consent you provided on the Website and as set forth in this Privacy Policy, to provide you with promotional offers through direct marketing, including without limitation e-mail, telephone, or SMS Messages. We may maintain separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. To opt-out from receiving any additional email communications regarding the website, please send your request in writing via email to customerservice@privatedebtrelief.com.

Do Not Sell My Personal Information

You may also opt-out of having your personally identifiable information sold to third-parties. During registration and/or when you submit personally identifiable information to us at the Website, you have opted-in to request that we share your personal information with third parties, including financial service providers for the specific purposes of receiving offers that you have applied for on our websites. When contacted by any of these companies or third parties, you should notify them directly of your choices regarding their use and sharing of your information. Please note that if you opt-out of having your personally identifiable information sold to third-parties, including Third-Party Service Providers and/or other financial service providers, you will not be able to receive the services sought for which you originally visited this Website.

To opt-out from having your personally identifiable information sold to third-parties, including Third-Party Service Providers and/or other financial service providers, please send your request in writing via email to customerservice@privatedebtrelief.com or via postal mail to PrivateDebtRelief.com, 304 S. Jones Blvd. #2185, Las Vegas, NV 89107.

In addition, please note that if you subsequently sign up at one of our other websites for other product or service offerings, you will need to again address any information sharing preferences that you had previously established through this website.

How to Contact Us

If you have any questions about this privacy policy, the practices of any PrivateDebtRelief.com Business, or your dealings with a PrivateDebtRelief.com Business, please contact us at:

NOTICE TO CALIFORNIA RESIDENTS

We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to provide this CCPA Notice to California residents to explain how we collect, use and share their information, and the rights and choices we offer California residents regarding our handling of their information.

CCPA Scope and Exclusions

This CCPA Notice applies only to California residents whose interactions with us are limited to:

  1. Visiting our consumer websites
  2. Signing up for email alerts
  3. Commenting on or contributing to our blogs
  4. Establishing an account that does not include financial products or service
  5. Applying for our job openings on our websites (however, note that the CCPA limits some of the privacy rights for job applicants)

This CCPA Notice does not apply to the information we collect, use or disclose about consumers who initiate or complete the process of applying for financial products or services. This is because this information is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and implementing regulations, or the California Financial Information Privacy Act (“FIPA”), or Representatives of businesses that seek to obtain our products or services, or to provide products or services to us.

Privacy Practices

As we explain in our Privacy Policy, we use cookies and other tracking technologies to analyze website traffic and facilitate advertising. If you would like to learn how you may opt out of our (and our third-party advertising partners’) use of cookies and other tracking technologies, please review the instructions provided in the “Online Tracking Opt-Out Guide” section of the Privacy Policy.

Please note that we may also disclose all information as described in the “Who Do We Share Your Information With?” section of the Privacy Policy.

Privacy Rights

The CCPA grants individuals the following rights:

  1. Information. You can request information about how we have collected, used and shared your Information during the past 12 months.
  2. Access. You can request a copy of the information that we maintain about you.
  3. Deletion. You can ask us to delete the information that we collected or maintain about you.

Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. We will also respond to requests for information and access only to the extent we are able to associate with a reasonable effort the information we maintain with the identifying details you provide in your request. If we deny your request, we will communicate our decision to you. You are entitled to exercise the rights described above free from discrimination.

How to Submit a Request

To request access to or deletion of information please send an email to: customerservice@privatedebtrelief.com

PLEASE NOTE THE FOLLOWING WITH RESPECT TO REQUESTS:

Identity verification. The CCPA requires us to verify the identity of the individual submitting a request to access or delete information before providing a substantive response to the request. We will ask you to verify your identity when you submit a request.

Authorized agents. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.

You will be provided a reasonable amount of time to provide sufficient identity verification and any request may be denied for lack of such identity verification.